Located within the private, tropical enclave of Antigua Community on St. Augustine Beach, 63 Guanahani Trail is a striking Intracoastal waterfront residence that seamlessly blends elevated design with an exceptional boating lifestyle. Built in 2022and enhanced with extensive custom upgrades, this four-bedroom, three-bathroom home delivers sunset-facing water views, private boat dock, and a level of finish that feels professionally curated at every turn. The arrival sets the tone with a paved driveway, architectural exterior lighting, professional lush designer landscaping, and a statement glass front door opening to a grand foyer! This well appointed home exudes luxury design with intentional, cohesive, and elevated features! The well thought out upgrades are featured as soon as you step on to the property and inside of the home! The main living area is a showpiece, anchored by a striking marble stone centerpiece and filled with natural light. Upgraded flooring throughout the home. The kitchen is equally impressive with ceiling-height cabinetry, quartz countertops, a large center island, double wall ovens, stainless steel appliances, and an expansive walk-in pantry with custom shelving. Additional under stairs storage/panty! Just off the kitchen and living space, a beautifully designed coffee and wine bar adds both function and style, finished with statement tile accents and serving as a natural focal point for entertaining. Triple hideaway sliders open to a screened lanai with motorized screens, creating effortless indoor-outdoor living. Beyond, the backyard unfolds as a true waterfront retreat, designed by a renowned local luxury landscape designer. Outdoor space features outdoor kitchen and grilling area, custom seating areas framed by palms, wrought-iron fencing, and captivating Intracoastal views stretching toward downtown and the lighthouse. Views of the Bridge, Flagler College and the Lighthouse along with sunsets here are nothing short of extraordinary. Boaters will appreciate the full private dock, fitted for a boat lift, with a floating dock extension, Kayak storage/launch ideal for enjoying life on the water with quick access to the Intracoastal and just a five-minute boat ride to historic downtown. The primary suite is a serene sanctuary with private balcony access overlooking the water, west-facing sunset views, and an oversized glass-enclosed walk-in shower featuring herringbone tile, dual updated vanities, and a spacious walk-in closet with custom built-ins. Additional bedrooms are beautifully finished with coordinated window coverings, while an upstairs living area provides flexible space for entertaining or relaxation. A main-level guest suite with a full bath offers comfort and privacy. Additional features include a two-car garage with epoxy floors, built-in and overhead storage, Whole House water softener system & filtration with a special water dispenser providing alkaline drinking water at the kitchen sink! Updated locks and hardware, refreshed laundry room with overhead cabinetry, and meticulous attention to detail throughout. Built in storage cabinet at upper level landing. Antigua residents enjoy a pool, kayak launch, community dock, firepit, and a popular restaurant at the entrance of the community. Located minutes from the beach and close to downtown by car or boat, this residence is not just a home, it's a refined coastal lifestyle centered around water, design, and unforgettable sunsets.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
